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Jerry Data & Research
Cheapest Cadillac Car Insurance (Oct 2024)
Cheapest Cadillac Car Insurance (Oct 2024)
Compare 50+ top insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance for your Cadillac.
Find Insurance Savings
No long forms
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Quotes from top insurance companies
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Lina Zhang, Licensed Insurance Agent, VP of Operations
What's on this page?
- How much does Cadillac car insurance cost?
- How to find the cheapest Cadillac car insurance quotes
- Insurance costs for popular Cadillac models
- What factors affect Cadillac car insurance rates?
- How can I lower the cost of my Cadillac car insurance?
- FAQs
- Methodology
- Meet Our Experts
Load full table of contents
How much does Cadillac car insurance cost?
Since its inception, the Cadillac brand has exemplified precision engineering and elegant luxury finishes—making vehicles that remain among the most esteemed in the United States. Positioned at the top of the luxury vehicle segment, Cadillac has become synonymous with affluence, achievement, and sophistication.
Subaru drivers pay an average of $1,164 per year for
auto insurance
—but every Subaru car insurance policy is unique. This number is just an estimate, there is no real ‘average’ cost of car insurance. Your price will depend entirely on your driver profile, which is why it’s so important to compare quotes. How to find the cheapest Cadillac car insurance quotes
We closely analyzed Cadillac insurance quotes from real Jerry customers to help us generate accurate, personalized quotes for you.
Jerry has helped hundreds of drivers to find cheap car insurance. Check out some of our recent quotes below!
| Date | Car | Insurance Company | Premium (monthly) | Customer Details | Insurance coverage |
|---|---|---|---|---|---|
October 11, 2024 | Cadillac XT6 Sport | Safeco | $163 | Edgar, 43 | • 100,000/300,000 Liability • Comp / Collision |
October 2, 2024 | Cadillac SRX Performance Collection | AAA | $207 | Ola, 30 | • 50,000/100,000 Liability • Comp / Collision |
September 30, 2024 | Cadillac XT5 Premium Luxury | Nationwide | $96 | Katherine, 33 | • 100,000/300,000 Liability • Comp / Collision |
September 27, 2024 | Cadillac XTS Vsport Premium | Travelers | $127 | Margaret, 29 | • 100,000/300,000 Liability • Comp / Collision |
September 25, 2024 | Cadillac SRX | Progressive | $116 | Ola, 65 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 11, 2024The best car insurance companies for Cadillac drivers
There isn't a single insurance company out there that can universally offer the best or cheapest rates for every Cadillac driver. The ideal company for you will depend on various factors, such as your driving record, demographics, eligibility for discounts, and the specific model of your vehicle.
To find out which insurance companies provide the most competitive rates for Cadillac owners, Jerry conducted the most extensive nationwide survey on insurance shopping. Take a look at the table below to see how Cadillac drivers rank various insurance companies.
| Insurance Company | Overall Rating | Price | Claims Experience | Customer Service |
|---|---|---|---|---|
| Safeco | 4.6 | 4.4 | 4 | 4.5 |
| Travelers | 4.5 | 4.2 | 4.4 | 4.5 |
| Progressive | 4.3 | 3.9 | 3.9 | 4.3 |
| AAA | 4.2 | 4 | 3.8 | 4.4 |
| Allstate | 4.2 | 3.6 | 3.8 | 4.2 |
| USAA | 4 | 3.5 | 4.5 | 4.2 |
| State Farm | 4 | 3.4 | 3.8 | 4.2 |
| Farmers | 4 | 3.4 | 4.1 | 3.9 |
| Geico | 3.9 | 3.3 | 3.9 | 4 |
Liberty Mutual | 3.7 | 3.2 | 3.5 | 3.7 |
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
How'd we get these scores?
Jerry's experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Insurance costs for popular Cadillac models
Your Cadillac insurance costs are heavily influenced by the model you drive. Specifically, insurers consider the following features when determining your rate:
- Safety ratings: Cadillac models with a greater number of safety features and higher safety ratings—like the Cadillac XT6—tend to have lower insurance costs.
- Vehicle value: Your insurance costs increase in proportion to your vehicle’s value. That’s why the CT4 costs less to insure than the CTS or Escalade.
- Vehicle class: Compact sedans and compact SUVs typically cost less to insure than larger sedans or sports-oriented models. Thetrim levelyou choose can also have an impact on the price you pay.
- Engine size: Cars that pack a lot of horsepower are considered a greater risk to insurers since there’s an increased likelihood for drivers to speed and get into trouble, not to mention the potential for serious accidents.
- Availability of replacement parts: If you drive a rarer model or highly customized car, replacement parts can become harder to source—which can drive up your insurance costs.
- Cost of repairs: Like many luxury car brands, Cadillacs are slightly more expensive to maintain and repair than other vehicles, which contributes to increased insurance rates.
Jerry has helped drivers save on auto coverage for the most popular Cadillac models.
| Car | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
Cadillac CTS | $100 | $201 |
$103 | $193 | |
$102 | $190 | |
Cadillac ATS | $118 | $212 |
Cadillac DeVille | $77 | $141 |
Cadillac XT5 | $77 | $195 |
Cadillac XTS | $113 | $235 |
Minimum coverage insurance
refers to the amount of liability coverage that’s legally required in your state, including bodily injury liability and property damage liability. These types of policies usually offer basic protection at a lower cost. Full-coverage insurance
, on the other hand, can provide greater protection for you and your vehicle, as it includes collision
and comprehensive coverage
in addition to basic liability insurance—but it comes with a higher price tag.While knowing averages may be helpful, the best way to get an accurate idea of how much you can expect to spend on car insurance is to shop around for insurance quotes.
Jerry
makes insurance shopping simple, generating you quotes from over 50 top insurance providers in seconds. 
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
Cadillac XTS insurance costs
The
Cadillac XTS
is a spacious five-seater competing at the top of the luxury sedan segment. Despite the fact that Cadillac halted production on the XTS over four years ago, used models continue to garner starting prices upward of $47,000. That means you can still expect to pay elevated insurance costs—although they may still be more affordable than coverage for a brand-new Caddy.
The Cadillac XTS is offered in five different trim levels, which increase in price (and insurance costs) as you climb up the ladder. These are:
- Base (XTS): Simply called the XTS, the base model comes with the cheapest price tag—but that doesn’t mean it’s not well-equipped. Inside, you’ll find high-tech amenities like a rearview camera and rear parking sensors, Bluetooth compatability, and a built-in Wi-Fi hotspot. Leather upholstery also comes standard.
- Luxury: The Luxury trim level builds on the base, adding extras like built-in navigation, driver-seat memory settings, and automatic parking for front-wheel drive models.
- Premium Luxury: In the Premium Luxury, you won’t have to pay extra for safety tech—features like lane departure warnings, blind-spot monitoring, and automatic braking come standard, along with an upgraded interior.
- Platinum: The Platinum trim builds on the sedan’s already high-end interior features, adding an electronic limited-slip differential, faux-suede headliners, and an extended leather trim for the center console and dash panel.
- Platinum V-Sport: What sets the V-Sport apart from its counterpart is primarily its 3.6-liter turbocharged V6 engine. Additionally, all-wheel drive comes standard.
In the table below, you’ll find real quotes on Cadillac XTS insurance from Jerry.
| Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Cadillac Cadillac_xts | Nationwide | $67 | Lucinda, 32 | • 50,000/100,000 Liability |
| Cadillac Cadillac_xts | Nationwide | $65 | Duane, 36 | • 100,000/300,000 Liability |
Last Updated Oct 12, 2024Cadillac XT5 insurance cost
With a starting MSRP of $45,600, the Cadillac XT5 meets every standard you’d expect a luxury, mid-size SUV to meet: a roomy interior, smooth ride, and spacious cargo hold. It’s also fairly affordable, compared to similar SUVs in its segment.
Like its compact counterpart, the mid-size XT5 comes in three distinct trims: Luxury, Premium Luxury, and Sport.
- Luxury (Base): Starting at $45,600, the XT5 base trim offers a tiny but powerful turbocharged 2.0-liter engine, nine-speed automatic transmission, and driver’s assistance tech like front and rear parking sensors, forward collision warning, and lane-keeping assist.
- Premium Luxury: Starting at $51,400, the Premium Luxury is the most XT4 popular trim, as it adds leather upholstery, a panoramic sunroof, built-in navigation, and upgraded driver’s assistance technology to the mix.
- Sport: Starting at $58,500, the Sport trim mirrors the Premium Luxury in features, while expanding on the SUV’s athletic appearance with 20-inch wheels, standard all-wheel drive, and a sport-tuned suspension and updated braking system.
Here’s how much you might expect your cost to change based on the trim level of your car:
Check out real quotes for Cadillac XT5 insurance from Jerry in the table below.
| Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Cadillac Cadillac_xt5 | Allstate | $77 | Nina, 31 | • 50,000/100,000 Liability |
| Cadillac Cadillac_xt5 | Progressive | $71 | Alan, 39 | • 100,000/300,000 Liability • Comp / Collision |
Last Updated Oct 11, 2024Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Great price and amazing coverage!
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The General is affordable and will work with you on your monthly payments.
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They have help me w all my needs. Patient and understanding
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Cadillac Escalade insurance costs
Rounding out Cadillac’s SUV line-up is the full-size Escalade. Ranging in price from approximately $80,000 to a whopping $150,000, the Escalade ups seamlessly blends performance with indulgence, earning positive reviews from drivers and critics alike.
Available in an impressive seven trim levels, the Escalade is Cadillac’s most customizable SUV. Below, we take a closer look at what each trim has to offer:
- Luxury: Starting at $81,190, the base model for the Escalade comes generously equipped with simulated leather upholstery, keyless entry, and a 19-speaker audio system. It’s powered by a 2.6-liter V8 engine.
- Premium Luxury: Starting at $89,990, the Premium Luxury trim builds on the base model with extras like a massive 16.9-inch infotainment display, wireless charging pad, and driver’s assistance tech.
- Premium Luxury Platinum/Sport: Ranging from at $92,990 to $107,900, the Premium Luxury Platinum and Sport Platinum trims offer a multitude of performance upgrades, as well as indulgent creature comforts—from a rear-seat entertainment system to massaging front seats and a 36-speaker sound system. These models are also set apart by custom gloss-black trim and wheels.
- V: Starting at $151,090, the Escalade-V is the only model to feature a supercharged 6.2-liter V8 capable of 682 horsepower. The V also boasts specialized driving modes and high-performance brakes.
Here’s how much you might expect your cost to change based on the trim level of your car:
| Car Trim | Average State Minimum Insurance Cost | Average Full Coverage Insurance Cost |
|---|---|---|
Escalade Cadillac Escalade | $115 | $262 |
Escalade EXT | $86 | $171 |
Escalade ESV Luxury | $131 | $206 |
Escalade ESV | $116 | $169 |
Escalade Luxury | $96 | $205 |
That said, averages are not a good indicator of what your own policy might cost. Check out some real quotes from Jerry users:
| Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|
| Cadillac Escalade Luxury | Progressive | $149 | Anthony, 42 | • 100,000/300,000 Liability |
| Cadillac Escalade ESV | Safeco | $127 | Florence, 55 | • 50,000/100,000 Liability |
| Cadillac Escalade Platinum | Nationwide | $108 | Lawrence, 44 | • State Minimum Liability • Comp / Collision |
| Cadillac Escalade Luxury | AAA | $163 | Isabelle, 58 Newark, DE | • State Minimum Liability • Comp / Collision |
| Cadillac Escalade ESV | National General | $239 | Carlos, 42 Mineral Springs, AR | • 25,000/50,000 Liability • Comp / Collision |
Last Updated Oct 8, 2024Are Cadillacs more expensive to insure?
Compared to the average cost of other cars, Cadillac vehicles cost -- to insure.
Cheapest Cadillacs to insure
When it comes to a standard auto policy, the cheapest Cadillac model to insure is the 2020 Cadillac CT4-V, which costs on average $40 per month for state minimum coverage or $171 per month for full coverage.
| Car Make | Average Monthly State Minimum Insurance Cost | Average Monthly Full Coverage Insurance Cost |
|---|---|---|
2020 Cadillac CT4-V | $77 | $171 |
2011 Cadillac STS | $77 | $141 |
2020 Cadillac XT5 | $77 | $229 |
2017 Cadillac XT5 | $77 | $163 |
2018 Cadillac XTS | $77 | $258 |
Most expensive Cadillacs to insure
Cadillac insurance rarely comes cheap—but some models cost more to cover than others. The most expensive Cadilliac model to insure is 2018 Cadillac Escalade, with an average monthly premium of $192 for state minimum coverage, or $218 for full coverage.
| Car Make | Average Monthly State Minimum Insurance Cost | Average Monthly Full Coverage Insurance Cost |
|---|---|---|
2018 Cadillac Escalade | $144 | $218 |
2017 Cadillac ATS | $144 | $203 |
2020 Cadillac Escalade | $144 | $209 |
2019 Cadillac XTS | $144 | $243 |
2016 Cadillac SRX | $144 | $226 |
Although averages can help provide a rough estimate of your personal insurance costs, it's important to remember that insurance rates are influenced by various factors such as your driving history, demographics, residential location, and more. The best way to find accurate rates is by shopping for personalized auto insurance quotes using a comparison website or app, like Jerry.
What factors affect Cadillac car insurance rates?
- Vehicle cost: Premiums tend to be higher for higher-value models.
- Vehicle age: With the exception of some collector models, older versions of Cadillac cars incur lower insurance costs compared to new ones.
- Cost of parts: Less common and customized models have higher replacement and repair costs, making them more expensive for insurance companies to cover.
- Your age: Drivers under 25 usually face higher insurance rates due to limited experience, while senior drivers above 70 may also encounter increased rates.
- Your driving record and claims history: Drivers with a clean record are often offered lower rates, while those with a history of accidents, tickets, and violations can expect higher premiums.
- Where you keep your car: Insurance costs can be higher for individuals who park in neighborhoods with more elevated rates of property crime, auto theft, and/or weather risk—meaning rates can vary from city to city.
Here are a few specific factors that impact insurance rates for Cadillac vehicles:
- Availability: Replacement parts for many Cadillac cars are expensive, even if you’re using aftermarket or used parts. This is especially true for classic Cadillacs.
- Imports: Cadillacs are primarily manufactured in the U.S., Canada, and China. Models made in other countries need to be shipped in, which can increase costs.
- Trim level: The cost of your Cadillac can vary greatly based on the trim level you select. Base trims cost less to insure than upper-tier trim levels.
- Safety: Cadillac’s high safety ratings are offset by their turbocharged engines and capacity for high speeds.
Cadillac insurance cost for young drivers
Teen drivers aged 16 to 19 are often confronted with disproportionately high car insurance rates, due to limited driving experience and lack of insurance history. Whether you’re considering coverage for your teenager or are a teen with your own car, it’s worth investing in a full-coverage policy—which can provide the highest level of protection for inexperienced drivers.
Ernest (23 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Sorrento, LA
Cadillac ATS$551
per month
Lina (22 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Cadillac ATS Luxury$296
per month
Cory (22 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Ellsworth, WICadillac CTS Premium Collection$104
per month
Edgar (24 years old)
$75
per month
Cadillac insurance cost for senior drivers
A lot of insurance companies see senior drivers as a risky bunch to insure. That’s because:
- Senior drivers have a higher probability of being involved in car accidents
- Accidents involving senior drivers often lead to more severe injuries and higher medical expenses
As a result, drivers may notice an increase in their car insurance premiums once they turn 75.
Eugene (74 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Cadillac Eldorado$90
per month
Trevor (80 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Cadillac CTS Luxury Collection$88
per month
Chase (70 years old)
CoverageState Minimum
Taftville, CTCadillac SRX Performance Collection$121
per month
Mattie (73 years old)
Coverage50,000 per person
100,000 per accident bodily injury
Comp / Collision
Cadillac XT5 Luxury$93
per month
Clearcover
Olive (68 years old)
Coverage100,000 per person
300,000 per accident bodily injury
Comp / Collision
Cadillac XTS Luxury Collection$111
per month
Remember though, that the cost of insurance also depends on other factors such as your driving history, where you live, and more—so shopping for personalized insurance quotes will be more informative than averages alone.
Cadillac insurance cost for drivers with driving violations
Aside from the model you drive, your Cadillac insurance costs are affected by your personal
driving history
. Typically, drivers with a “clean” record (one that does not contain traffic violations or insurance claims) are offered the most affordable rates.But if you’ve earned one or more of the following violations within the past three to five years, you could end up paying even higher premiums for coverage:
- Speeding tickets
- DUIs
- At fault accidents
- Reckless driving
- Driving on a suspended license
Cheapest car insurance for Cadillac drivers with a speeding ticket
Speeding tickets are one of the most common violations on the road—we’ve all been there. If you get a speeding ticket in your Cadillac, your insurance premium could increase by
an average of 13%
.Jerry can help Cadillac owners keep car insurance costs low after a speeding violation.
Cheapest car insurance for Cadillac drivers with a DUI
If you have a
DUI conviction
on your driving record, insurance companies can hit you with substantially higher rates or even deny coverage altogether.You may need to compare rates from multiple providers to find low-cost insurance coverage after a DUI. That's where Jerry comes in to lend a hand:
Alexander (44 years old)
$68
per month
Cheapest car insurance for Cadillac drivers after an accident
Your car accident or claims history can have a substantial impact on your Cadillac car insurance costs. If you've been involved in an at-fault accident recently, there's a chance your costs could shoot up.
Check out how Jerry has assisted Cadillac drivers in saving money after an accident:
| Accident type | Car | Insurance Company | Premium (monthly) | Customer | Insurance coverage |
|---|---|---|---|---|---|
["At Fault With No Injury","Not At Fault"] | Cadillac XT5 Luxury | Progressive | $106 | Christina, 47 | • 30,000/60,000 Liability |
[] | Cadillac ATS Luxury | Travelers | $98 | Clyde, 24 | • 100,000/300,000 Liability |
["Not At Fault"] | Cadillac XT5 Premium Luxury | Nationwide | $96 | Mollie, 33 | • 100,000/300,000 Liability • Comp / Collision |
[] | Cadillac Deville | AAA | $236 | Landon, 20 | • State Minimum Liability |
[] | Cadillac XT6 Premium Luxury | Gainsco | $158 | Francis, 31 | • State Minimum Liability |
Last Updated Oct 11, 2024Cheapest car insurance for Cadillac drivers with other driving violations on their record
Besides speeding tickets and DUIs, other types of traffic violations can bump up your car insurance rates. Even your classic car insurance rate can be affected by at-fault accidents, speeding tickets, or DUI convictions on your driving record.
We have helped Cadillac drivers save on their insurance despite these violations.
| Violation | Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|---|
Illegal Turn | Cadillac CTS HI Feature V6 | Progressive | $103 | Grace, 30 | • State Minimum Liability |
Defective Equipment | Cadillac Deville | Nationwide | $119 | Gary, 36 | • 50,000/100,000 Liability • Comp / Collision |
Failure to Stop | Cadillac XT5 Luxury | AAA | $350 | Jared, 42 Stafford Township, NJ | • 25,000/50,000 Liability • Comp / Collision |
Wrong Way/Wrong Lane | Cadillac SRX | Safeco | $134 | Edna, 32 | • State Minimum Liability |
Cell Phone | Cadillac STS | Clearcover | $193 | Harold, 42 | • State Minimum Liability |
Careless Driving | Cadillac Escalade ESV | National General | $124 | Jeremy, 58 Othello, WA | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Cadillac ATS | Clearcover | $124 | Rosa, 34 | • State Minimum Liability |
Failure to Obey Signal | Cadillac CTS | Plymouth Rock | $227 | Gerald, 40 | • State Minimum Liability |
Seat Belt | Cadillac Escalade ESV Luxury | AAA | $189 | Johnny, 33 | • State Minimum Liability • Comp / Collision |
Improper Passing | Cadillac XTS Luxury Collection | Travelers | $107 | Bess, 35 | • State Minimum Liability • Comp / Collision |
Last Updated Oct 14, 2024How can I lower the cost of my Cadillac car insurance?
Cadillacs come with high price tags and expensive insurance costs—but affordable coverage is out there if you know where to look. Here are some tips to help keep your rates even lower:
- Shop around: The first insurance policy you find may not be the cheapest—that’s why it’s important to shop for quotes from multiple insurance companies to find the best deal. Luckily, that’s exactly what Jerry was designed to help you do. As a licensed insurance broker that’s partnered with over 55+ leading insurance providers, Jerry can narrow down all the best quotes and coverage options for you.
- Bundle your insurance policies: Consider bundling your car insurance with yourhomeownersorrenter’s insuranceto receive a discounted rate on both policies.
- Look for discounts: Most auto insurance companies offer discounts to help lower the cost of car insurance—and if you’re eligible for multiple discounts, the combined effect could put a sizable dent in your premium. Ask your agent if there are any unadvertised insurance discounts you may be eligible for, such as discounts for good driving, good students, or low mileage.
- Reduce your coverage: Considerreducing the coverage amounton older or infrequently driven vehicles. This is particularly beneficial if your car's value is less than ten times the premium you're currently paying.
- Raise your deductible: Your deductible is the out-of-pocket expense you pay before your collision or comprehensive coverage applies to a claim. Increasing this cost can lower your average monthly bill.
FAQs
Are Cadillacs expensive to insure?
As a luxury brand, Cadillacs typically come with higher auto insurance costs—although they’re not the most costly car out there to insure. On average, Cadillac owners pay $1,164 per year for minimum coverage, and $2,376 per year for full coverage—which is only -- than the national average.
Is insurance high on a Cadillac CTS?
Car insurance for the Cadillac CTS costs an average of $100 per year for state minimum coverage, which is -- the national average. But if you’re buying or driving a brand-new car, you should plan to purchase full coverage insurance—which costs an average of $2,376 per year.
Is Cadillac CTS expensive for insurance?
The average cost of car insurance for Cadillac CTS owners is $1200 per year—but exact rates can vary among model years and trim levels. The best way to estimate your personal costs for Cadillac CTS insurance is by shopping for free quotes using an online comparison website or tool, like Jerry.
What is the meaning of Cadillac insurance?
In order to legally drive your Cadillac on the road, you’ll need the right insurance coverage. Most states mandate a minimum amount of liability insurance, which usually includes set limits of bodily injury liability coverage and property damage liability coverage. In some states, additional coverages like uninsured motorist coverage and personal injury protection are also required by law.
You may also hear about “Cadillac insurance” when it comes to health insurance. These plans don’t actually have anything to do with the automaker—they refer to high-cost plans.
Methodology
The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.
Insurance research: We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).
We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.
For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.
Team: The team consists of licensed insurance agents, insurance industry veterans, and data scientists.
Meet Our Experts
R.E. Fulton
Licensed Insurance Agent —Senior Content Writer
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views.
As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang
Licensed Insurance Agent
Licensed in 50 states and Washington DC
Lina Zhang is Vice President of Operations at Jerry. She helped to found Jerry in order to take the confusion and mystery expenses out of car ownership and help drivers achieve financial success. Leading a global team responsible for operations, talent acquisition, legal, and content, Lina has been a key contributor to the AllCar™ app’s 10x growth in its first year of operation. Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, created YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from just five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017. Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Josh Damico
Head Of Insurance Operations
18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.